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Bank of Baroda Kisan Credit Card (RuPay)
RuPay
Bank of Baroda Kisan Credit Card (RuPay)
Bank of Baroda's RuPay Kisan Credit Card converts a farmer's sanctioned crop-loan account into a usable plastic card, so drawdowns for seed, fertilizer and other input purchases can happen at any RuPay POS terminal or ATM instead of requiring a branch visit each time. Like every bank's KCC-RuPay product it carries no joining or annual fee and prices interest on subsidized agri-lending terms, with the borrowing limit reset each season against the bank's scale of finance for the crop and land area involved.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to self-employed applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0% base rate
- Domestic lounge access: None
- International lounge access: None
Benefits by category
- 🛡️ Insurance
Personal Accident Insurance Scheme cover for the cardholder as mandated for RuPay KCC issuance
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Employment: self-employed
- Age: 18–75
Fees & charges
- Foreign currency markup: 0%
- Interest rate: 7%–12% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- Revolving agricultural cash-credit limit accessible via a RuPay-branded Kisan Credit Card at ATMs and POS terminals
- Personal Accident Insurance Scheme cover for the cardholder as mandated for RuPay KCC issuance
Pros
- + Zero fees — no joining fee, no annual fee
- + Subsidized interest rate for prompt repayment under the interest subvention scheme
- + RuPay acceptance for input purchases and cash withdrawal without repeated branch visits
- + Personal Accident Insurance Scheme cover included
- + Assessed on land holding and cropping pattern, not salary income
Cons
- − Only for agricultural and allied-activity spending, not general retail use
- − Annual review and limit reset tied to crop cycle and scale of finance
- − No cashback, points, or travel-style benefits
- − Needs land title or tenancy proof to qualify